Rust can sneak up on even the best-maintained boats. But when it does, don’t expect your insurance to cover the repairs. Boat insurance is designed for sudden, accidental damage, not gradual wear that comes from exposure, corrosion, or lack of upkeep. Knowing what your policy does and doesn’t cover can save you frustration when filing a claim through Access Legacy Insurance Group, serving Brooklyn, NY.
Why Rust Usually Isn’t Covered
Most boat/watercraft insurance policies exclude rust and corrosion because they develop over time. Insurers classify those issues as maintenance-related, meaning the owner is responsible for preventing them. If the hull, engine, or fittings show rust from normal use or saltwater exposure, that’s considered part of owning a vessel, not an insurable loss.
However, there are exceptions. If rust results from a covered event, like a collision that cracks paint and exposes metal to water, the secondary damage might be covered. The key difference is whether the corrosion was a direct result of an accident or a long-term problem that was left untreated.
Preventing Rust
Regular upkeep is the best defense. Rinse your boat thoroughly after every saltwater trip, inspect metal parts, and use corrosion inhibitors where needed. Keeping up with maintenance logs can also help in future claims. it shows insurers that you’ve done your part to protect the vessel.
When To Talk To Your Insurer
If you discover significant rust, contact your insurance provider through Access Legacy Insurance Group, serving Brooklyn, NY, before starting repairs. They can confirm whether the damage qualifies for partial coverage or recommend steps to prevent further deterioration.
Boat ownership comes with ongoing maintenance, and rust is one battle that’s yours to fight. Staying ahead with preventive care keeps your vessel seaworthy and ensures your insurance remains there for the real accidents, not the slow ones.
